Software your AI can run.
Evaluating Crowded?
A different question.
You came here comparing Crowded. Fair. But most businesses on this page have the same underlying problem: they need to get paid, and they want an AI to handle the boring parts. Holdings built the category for that — agentic invoicing, MCP-native, no monthly fee.
Crowded vs Holdings
Crowded is a mission-focused bank aimed at student groups, clubs, and small nonprofits. Holdings is a modern operating account (free business checking, 1.75% APY, FDIC to $3M) with unlimited free invoicing AND branded donation pages AND optional fund accounting — the full nonprofit toolkit in one login.
Side by side
Crowded and Holdings solve different problems. Here's the honest version.
| What you're comparing | Holdings | Crowded |
|---|---|---|
| Business checking | Free — no minimums, FDIC to $3M | Crowded checking |
| APY on balances | 1.75% | Varies |
| Invoicing | Unlimited — invoices, quotes, payment links, QR codes, follow-ups | Basic collection forms |
| AI directs invoicing | Claude, ChatGPT, Cursor via MCP — draft-by-default | — |
| Accounting add-on | Optional $25/mo — double-entry, P&L, balance sheet | — |
| Donation collection | Yes — branded donation pages included | Basic |
| Best for | Nonprofit-ready: banking + invoicing + donations + fund accounting | Simple banking for clubs/groups |
Why teams pick Holdings
One account for the whole business
Crowded solves "one account for a student group." It doesn't handle donor pages, receipt automation, or fund-accounting books. Holdings gives you the checking account AND the invoicing AND the option to layer accounting on top — one login, one identity, one place the money moves through.
Free invoicing that your AI can run
Unlimited invoices, quotes, payment links, and QR codes are included at $0/mo. Direct Claude, ChatGPT, or Cursor via MCP to draft and send them for you — you approve every send.
Books current on their own (optional)
Add the $25/mo Accounting add-on and every transaction, invoice, and payment posts to double-entry accounting in real time. No CSV imports, no month-end reconcile crunch.
No monthly fee, priced on outcomes
Banking and invoicing have no monthly fee. You pay 3% + $0.30 per card payment we collect for you. Full double-entry accounting is $25/mo if you want it. No per-seat, no per-invoice, no per-month.
Get the Nonprofit Tools Checklist
Comparing alternatives to Crowded? Here's the complete checklist for switching — donation tools, grant tracking, accounting, and banking for your organization.
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When Crowded might be the better choice
If you're a purely receiving org (dues, small donations, no invoicing) and Crowded's mission-focused UI is a perfect emotional fit, keep it. For a nonprofit that also invoices, tracks donors, and wants real fund accounting, Holdings.
Common questions
Is Holdings really a bank?
Holdings partners with FDIC-member program banks to provide business checking. Your funds are FDIC insured up to $3M through our program-bank network, at 1.75% APY. On top of that, Holdings adds invoicing, payment collection, and (optionally) full accounting — all in one account.
How much does it cost?
Business checking and invoicing are $0/mo. You pay 3% + $0.30 per card payment you collect through Holdings. Full double-entry accounting is an optional $25/mo add-on with a 30-day free trial.
What does "agentic invoicing" mean in practice?
You direct an AI agent — Claude, ChatGPT, Cursor, or any MCP-compatible client — and Holdings executes the primitives: draft an invoice, generate a payment link, schedule a follow-up, post the journal entry. You approve every send; the agent does the work.
Can I move my existing balance in?
Yes. Set up an ACH transfer from your current bank into your Holdings checking account, or ask your customers to update your payment details. Most owners keep both accounts open during the switch and close the old one once payroll and vendors are pointing at Holdings.
Do I need to be technical to use the AI?
No. If you can send a text message describing what you want ("invoice Acme for $4,200 for last week's work, thirty-day net"), Claude or ChatGPT does the rest. Holdings ships MCP for the agents so the setup is one command.
Let your AI do the invoicing.
No monthly fee. 3% + $0.30 per payment collected. Full accounting from $25/mo.
No credit card · No monthly fee · Works with Claude, ChatGPT & Cursor
Compare & Explore
Banking for Nonprofits
Free tools and accounting designed for nonprofit organizations.
Banking for Churches
Financial tools built for churches and faith organizations.
Holdings Banking Features
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
Software — $25/mo
Automatic categorization, P&L, and balance sheets.
Free Donation Receipt Generator
Generate tax-deductible donation receipts.
Free Grant Budget Planner
Create grant budget templates for proposals.
Calculate Your Savings
See how much you could save by switching to Holdings.